This is a lot to read - LOL
Rand - this doesn't effect me at all, but I think the main problem is that you're doing this stuff backwards. Instead of the default being that the declines get sent to ePassporte (which you have to get an account for) why not have the default be nothing & offer the option to those that want or have an ePassporte account to use it?
I'd bet there a lot of people out there with the same problem lassiter has/had that don't even know there's a problem.
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